Home + Mortgage Intelligence — Not a ListingFor Sale
388 sundance st
thousand oaks, ca 91360
HomeRates.ai is not a listing service and has no listing relationship to this property. This page is the financial and decision-intelligence layer HomeRates.ai builds around a real address, organized into five public intelligence categories — each figure labeled by the kind of claim it is.
1Property & Value Intelligence
Property typeNot resolvedPROPERTY FACT
Beds / Baths4 bd / 3 baPROPERTY FACT
Square footage2,150 sqftPROPERTY FACT
List price—PROPERTY FACT
Automated valuation (AVM)$1,336,995ESTIMATEAveraged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
380 Sundance St, Thousand Oaks, CA 91360$1,019,000 · Oct 2021
389 Raindance St, Thousand Oaks, CA 91360$1,100,000 · Feb 2025
2Financing Intelligence
Illustrative scenario only — 20% down, 740 credit score, conventional, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION
Illustrative loan amount$1,069,596DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.618%MARKET FACTOBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-28
Illustrative rate (after LLPA)6.868%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$7,021/moDERIVED CALCULATION
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
LLPA estimates are a pricing calculation only — they do not represent or imply loan eligibility, underwriting approval, or a commitment to lend. Based on the publicly posted Fannie Mae matrix. Actual lender pricing varies by loan program, lender margin, and market conditions. Consult a licensed mortgage professional to determine eligibility.
3Ownership Cost Intelligence
Property tax (est.)$847/moESTIMATECA average effective property tax rate — 0.76%/yr
Homeowners insurance (est.)$334/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$8,202/moDERIVED CALCULATION
4Market & Location Intelligence
Area median days on market34dMARKET FACT
Area sale-to-list ratio99.6%MARKET FACT
Quiet cul-de-sac in established Wildwood community offering suburban tranquility with mountain views and strong family appeal. AI INTERPRETATION
Transit Score
Minimal Transit
Amenities & Commute
Good Amenities
5Decision Intelligence
Property-centered only — price-vs-value fit, market fit, and location fit. This is not a buyer-specific affordability score and HomeRates.ai never publishes Personal Fit or any real buyer's Decision Score.
Value fit22/100DERIVED CALCULATIONListed +39.8% vs AVM $1001K
Market fit54/100DERIVED CALCULATIONMedian DOM 42d, sale-to-list 98.8% · Low demand
Location fit72/100DERIVED CALCULATIONWalk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
- Mountain views and pool/spa
- Updated home in desirable neighborhood
- No HOA fees
Key concerns
- Moderate wildfire risk
- Car-dependent location
- Three-story layout may not suit all buyers
What's missing / verify before an offer
- HOA fee not confirmed.
- Current listing status and a personalized rate quote from a licensed lender.
Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — as computed for a HomeRates.ai user, 8/14/2026
0Sources & Freshness
Property record enriched: 8/14/2026 (source: redfin)
Valuation, comps, and location intelligence captured: 9/1/2026
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
Market rate observed: 2026-08-28 (FRED / OBMMI)
Page generated at request time from stored HomeRates.ai intelligence — no figure on this page is generated by an AI model without being labeled as such.